Oregon FAIR Plan Insurance Guide
The Oregon FAIR Plan (Fair Access to Insurance Requirements) is a state-mandated insurance program that provides basic property insurance for homeowners who cannot find coverage in the standard market.
Oregon FAIR Plan Insurance Guide
The Oregon FAIR Plan (Fair Access to Insurance Requirements) is a state-mandated insurance program that provides basic property insurance for homeowners who cannot find coverage in the standard market. While the FAIR Plan is a last resort, Prineville Insurance can help you understand your options and find better coverage alternatives before turning to the FAIR Plan.
Understanding the Oregon FAIR Plan Insurance Guide
The Oregon FAIR Plan (Fair Access to Insurance Requirements) is a state-mandated insurance program that provides basic property insurance for homeowners who cannot find coverage in the standard market. While the FAIR Plan is a last resort, Prineville Insurance can help you understand your options and find better coverage alternatives before turning to the FAIR Plan.
Coverages
- Basic Fire Coverage — Covers fire lightning and internal explosion
- Extended Coverage — Adds windstorm hail explosion riot and civil commotion
- Vandalism & Malicious Mischief — Optional add-on coverage
- Replacement Cost — Available as an optional endorsement
- Liability Coverage — NOT included in the Oregon FAIR Plan
- Personal Property — NOT included in the Oregon FAIR Plan
Why Choose Prineville Insurance?
- We explore all alternatives before recommending the FAIR Plan
- Access to surplus lines carriers who often provide better coverage
- Guidance on FAIR Plan limitations and how to supplement coverage
- Local agents who understand Oregon's insurance market
Get Your Free Oregon FAIR Plan Insurance Guide Quote Today
Don't leave your property unprotected. Contact us to explore your options.
Frequently Asked Questions
What is the Oregon FAIR Plan?
The Oregon FAIR Plan is a state-backed insurance program that provides basic property insurance for homeowners who have been unable to obtain coverage in the standard market. It is administered by a pool of insurance companies licensed in Oregon.
What does the Oregon FAIR Plan cover?
The FAIR Plan provides basic fire coverage and can be extended to cover windstorm hail explosion riot and vandalism. It does NOT include liability coverage or personal property coverage — you will need separate policies for those.
Is the Oregon FAIR Plan my only option if I've been declined?
Not necessarily. Surplus lines carriers and specialty insurers often provide better coverage than the FAIR Plan for hard-to-place properties. Prineville Insurance will explore all options before recommending the FAIR Plan.
How do I apply for the Oregon FAIR Plan?
You must be declined by at least one standard carrier before applying for the FAIR Plan. Contact Prineville Insurance at (541) 447-6372 — we can help you document your declinations and apply for FAIR Plan coverage.
